Conventional Home Loans

Adjustable-Rate Mortgages (ARMs). Loans featuring lower introductory rates for the first few years of the loan, but later adjust according to market rates. Great option for short-term homeowners or those who expect to increase their income over time.

Fixed-Rate Loans. Loans with fixed interest rates allowing homeowners to make predictable monthly payments over the life of the loan (Available in 15-year and 30-year options).

Home Improvement/Renovation Home Loans

*HomeStyle® Loans. Provides homeowners a convenient and flexible way to make home improvements and repairs by rolling renovation and refinancing costs into a single loan. Great for borrowers looking to buy (or refinance) an older property in a longstanding neighborhood.*HomeStyle® is a registered trademark of Fannie Mae.

FHA 203K Full Loans. Government-backed loans that allow you to finance and make repairs on your primary residence. This fixed-rate loan is ideal for homeowners with limited budgets looking to repair or remodel their home.

Perfect for: Homeowners who want to make cosmetic changes to their home or need to make necessary home repairs.

New Construction Loans

Benefits: Interest rates are locked throughout the life of your loan, protecting you against rate increases, and you may be eligible for closing cost credits that could reduce or eliminate refinancing costs.

New construction loan types include:

Lot Loans. A great loan option if you’re planning on purchasing land to build a home on. Gives you the flexibility to finance without a builder in place and an entire year to finalize your home building plans.

Perfect for: Borrowers looking to build their own custom home from the ground up.

Extended Lock Options

Benefits: Extra flexibility, peace of mind because of guaranteed rates, even in the event that market rates rise, and the option to make adjustments if rates drop below your extended lock rate before closing.

Perfect for: Homebuyers who want to lock in lower interest rates for up to 360 days on a house that is still being built, or if they have a future closing date on an existing home.